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G.R. Krahmer The Total Cost of Ownership (TCO) is a measure of the total annual costs of ainvestment product or investment service. We think it is extremely important that there is one A uniform calculation method is used to make a good cost comparison between providers of investment products. We advocate transparency in the financial world, and that includes transparent costs. You will see that brokers or banks show the costs ‘transparently’, but that in reality the total costs are often higher than they seem at first glance. When investing, it is not only the costs directly charged to the…

Air Miles transfer to Flying Blue Miles, or vice versa. G.R. Krahmer Transferring Air Miles to Flying Blue Miles, or vice versa From Air Miles to Flying Blue; I say yes, the other way around I say no. When I told them that the only way to book airline tickets with Air Miles was to exchange them for KLM holidays vouchers, they were in a bad mood. Air Miles can now be exchanged for Flying Blue Miles. You get two Air Miles for the price of one Flying Blue mile. You do the math, I say with a wink. What…

G.R. Krahmer Sustainable investing is becoming increasingly popular Private individuals and large institutions are increasingly investing money in strategies that meet certain criteria in the field of Environmental, Social en Governance (ESG). This method of alternative investing is also often used Socially Responsible Investing (SRI), called sustainable or green investing. In this article I will always use the term sustainable investing for this. But how sustainable is sustainable investing actually, and perhaps not unimportantly, does it also yield results? Building a sustainable portfolio Building wealth with a sustainable portfolio sounds like a really good idea, and it probably feels better…

By G.R. KrahmerDollar Cost Averaging or Periodic Investing is an emotionless strategy, where you invest a fixedamount at a fixed time, such as every month, regardless of the price at that time. It is not alwayseasy to invest, especially when the investment is declining. Concerns may arise such as: “Whathappens if the market continues to fall after I invest? Or was this the right time?” EXAMPLE 1If you invest a fixed amount periodically, this means that you buy more shares when the price islow, and fewer when the price is high.If you invest an amount of €300 every month at…

Kinguin and G2A for games and subscriptions. G.R. Krahmer A digital marketplace for entertainment and software at lower prices. Is it legal or illegal? Kinguin is an online marketplace that facilitates the sale of digital products, including video game keys and software licenses, often at discounted prices. Just like any online marketplace has G2A in Kinguin both positive and negative aspects. In today’s increasingly digital world, it’s no surprise that online marketplaces like Kinguin in G2A are becoming increasingly popular. Kinguin acts as a bridge between digital product sellers and consumers looking for affordable entertainment and software options. While the…

What are ETFs and Index Funds? G.R. krahmer ETF stands for Exchange-Traded Fund. These are funds that you can trade on the stock exchange. Another word used for ETFs are index trackers or trackers, because they follow a certain index (tracking in English). In addition, there are also index funds, also called investment funds, which, like ETFs, track a specific index. With these instruments, you can easily invest in a specific index. Such an ETF tries to achieve the same return as the market it follows. If a relevant index rises by 10%, the ETF also gains approximately 10% (not…

G.R. KrahmerWhat is the MSCI?The MSCI index is a benchmark/measure of the stock market in a specific area. Most peopleare familiar with the AEX or the Amsterdam Exchange Index. The AEX is an index that consistsof the 25 largest and most traded listed companies in the Netherlands on the EuronextAmsterdam. The AEX keeps track of the top 25 companies from the Netherlands, and the S&P500 index keeps track of the top 500 companies from the U.S.A. bee. In the same way, theMSCI tracks the performance of all shares included in this MSCI index.How can you use the MSCI?MSCI Indices are…